Best car insurance for 30-year-olds in 2022

The best car insurance for 30-year-olds is GEICO, which offers coverage for 37% less than average for the age group.

Rachael Brennan headshotAndrew Hurst

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Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

&Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Updated|4 min read

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The best car insurance company for 30-year-olds is GEICO. On average, 30-year-old drivers pay $142 per month, or $1,706 per year for coverage. GEICO is 30% cheaper than average — plus it’s available in every state.

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Car insurance coverage costs slightly more for 30-year-old male drivers than for female drivers of the same age. But rates can also vary significantly from state to state, and even ZIP code to ZIP code.

How much is car insurance for a 30-year-old?

The average cost of car insurance for a 30-year-old driver is $142 per month. This comes out to $1,706 a year, about equal to the overall average rates for adult drivers in the U.S.

GEICO has the cheapest car insurance for 30-year-olds, with average rates that are $640 cheaper per year than average for the age group. A full-coverage policy from GEICO costs 30-year-olds $99 per month, or $1,188 each year.

A bar graph showing the cost of car insurance for 30-year-old drivers.

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While MAPFRE and USAA offer cheaper average rates for 30-year-olds than GEICO, they aren’t available to every driver. Unlike GEICO, MAPFRE only offers car insurance in a handful states while USAA only covers people in the military and their families.

Company

Average monthly cost

Average annual cost

MAPFRE

$89

$1,066

USAA

$91

$1,091

GEICO

$99

$1,188

State Farm

$100

$1,194

Auto-Owners Insurance

$101

$1,208

Erie

$101

$1,212

American Family

$124

$1,486

COUNTRY Financial

$124

$1,488

Farm Bureau

$126

$1,513

Nationwide

$127

$1,520

NJ Manufacturers

$128

$1,539

Travelers

$130

$1,564

Kemper

$141

$1,694

Amica

$145

$1,735

National General

$147

$1,762

Monthly and annual costs of car insurance for 30-year-olds.

How the cost of car insurance for 30-year-olds compares to other ages

Car insurance for 30-year-olds is much cheaper than rates for younger drivers — especially drivers under 25. Thirty-year-olds pay about 67% less than teenage and young adult drivers.

On the other hand, 30-year-olds pay slightly more for car insurance than older drivers. Compared to drivers who are 35 to 70 years old, the cost of coverage for 30-year-olds is 11% more expensive.

Age

Average monthly cost

Average yearly cost

16

$565

$6,779

17

$489

$5,868

18

$411

$4,931

19

$319

$3,822

21

$226

$2,708

25

$161

$1,931

30

$142

$1,706

35

$138

$1,654

45

$132

$1,583

55

$122

$1,463

60

$121

$1,449

65

$125

$1,494

70

$132

$1,585

But if you’re a 30-year-old who just got your license last year, you’ll have a harder time finding cheap car insurance

A brand new driver doesn’t have the same experience behind the wheel as a 30-year-old who’s been driving since 16. Rates will go down with age and experience, though, as long as you avoid accidents and driving violations.

Best car insurance for 30-year-olds: GEICO

GEICO

4.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

GEICO logo

Best for most 30-year-olds

GEICO is the best car insurance for most 30-year-olds thanks to its quality of customer service and cheap average rates.

On average, GEICO costs 30-year-olds less than most other car insurance companies. While MAPFRE and USAA offer cheaper average rates than GEICO, its national availability makes it the best choice for most 30-year-olds looking for cheap coverage.

Thirty-year-olds can also get great customer service from GEICO. GEICO earned a high rating from us thanks in part to its great customer service scores from J. D. Power and low number of consumer complaints.

Company

Policygenius rating

Minimum coverage cost

Full coverage cost

GEICO

4.6

$402

$1,188

COUNTRY Financial

4.3

$526

$1,488

Travelers

4.3

$683

$1,564

American Family

4.2

$676

$1,486

Amica

4.2

$811

$1,735

Erie

3.9

$370

$1,212

Farm Bureau

4.2

$483

$1,513

Progressive

4.1

$737

$1,836

Allstate

4.0

$750

$2,005

USAA

4.0

$369

$1,091

Auto-Owners Insurance

3.9

$327

$1,208

Farmers

3.9

$781

$1,997

MAPFRE

3.9

$335

$1,066

National General

3.9

$627

$1,762

NJ Manufacturers

3.9

$830

$1,539

Nationwide

3.8

$624

$1,520

State Farm

3.8

$475

$1,194

The Hartford

3.7

$653

$2,123

CSAA

3.4

$763

$2,467

Mercury Insurance

2.9

$1,081

$2,668

Companies ranked by Policygenius rating

Cheapest car insurance companies for 30-year-olds

GEICO is our pick for the cheapest overall company for most 30-year-olds. GEICO also has the best car insurance rates for 30-year-olds in 14 states, including the District of Columbia.

USAA is the cheapest insurance company for 30-year-olds in more states than GEICO. But remember that USAA only writes auto insurance coverage for active and retired service members and their families, so most drivers won’t qualify for coverage.

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State

Cheapest car insurance company

Average monthly cost

Alabama

GEICO

$81

Alaska

USAA

$81

Arizona

Root

$62

Arkansas

USAA

$84

California

Wawanesa

$96

Colorado

American National

$71

Connecticut

GEICO

$63

Delaware

State Farm

$97

District of Columbia

GEICO

$86

Florida

GEICO

$127

Georgia

Auto-Owners

$71

Hawaii

GEICO

$65

Idaho

American National

$44

Illinois

Pekin

$62

Indiana

USAA

$63

Iowa

State Farm

$61

Kansas

USAA

$80

Kentucky

GEICO

$84

Louisiana

USAA

$130

Maine

GEICO

$48

Maryland

USAA

$70

Massachusetts

GEICO

$92

Michigan

GEICO

$88

Minnesota

Farm Bureau

$81

Mississippi

USAA

$76

Missouri

USAA

$66

Montana

USAA

$76

Nebraska

Auto-Owners

$89

Nevada

GEICO

$87

New Hampshire

USAA

$60

New Jersey

GEICO

$92

New Mexico

USAA

$79

New York

Progressive

$90

North Carolina

GEICO

$60

North Dakota

USAA

$71

Ohio

GEICO

$61

Oklahoma

USAA

$83

Oregon

State Farm

$71

Pennsylvania

State Farm

$89

Rhode Island

State Farm

$83

South Carolina

American National

$60

South Dakota

Kemper

$96

Tennessee

State Farm

$64

Texas

Farm Bureau

$88

Utah

GEICO

$69

Vermont

State Farm

$56

Virginia

USAA

$68

Washington

USAA

$90

West Virginia

USAA

$76

Wisconsin

USAA

$60

Wyoming

American National

$67

Cheapest car insurance company in every state for a 30-year-old

Average car insurance costs for 30-year-old drivers by gender

Auto insurance rates for 30-year-old male drivers are more expensive than for female drivers of the same age — but not by much. Insurance costs 30-year-old men just $9 more per month, on average.

There are a few states where insurance companies can’t set rates based on gender. This means that in California, Hawaii, Massachusetts, Michigan, Montana, and Pennsylvania, rates for 30-year-olds aren’t based on gender at all.

Gender

Average monthly cost

Average annual cost

Male driver

$165

$1,983

Female driver

$156

$1,875

Difference

$9

$108

Cost of car insurance for 30-year-old drivers by credit score

Car insurance costs for 30-year-olds with poor credit will be much higher than average. We found that a 30-year-old with a poor credit score pays $1,687 more per year than someone with excellent credit.

If your credit score is less than excellent, working to improve it can help you save money on your car insurance. Going from a credit rating of 735 to 770 is a relatively small jump, but those few points could save you more than $300 a year on your car insurance premium.

Credit score

Credit score

Average monthly cost

Excellent

823+

$118

Very Good

795-822

$131

Good

769-794

$143

Fair

710-740

$174

Poor

524-577

$259

Cost of full-coverage car insurance for a 30-year-old

→ Read about how your insurance cost is affected by your credit score

Average car insurance costs for 30-year-old drivers by state

The average cost of car insurance for 30-year-olds is $142 per month, but this varies depending on the state. Ohio is the cheapest state for car insurance for 30-year-olds, average rates are just $91 per month. At $250 per month, Louisiana is most expensive for 30-year-olds.

Even though you may live in a state where the cost of car insurance is high, you can still usually find cheap coverage for 30-year-olds by comparing car insurance quotes from different companies in your area. Comparing quotes before you buy will help you find your best rates and avoid overpaying.

State

Average monthly cost

Average annual cost

Alabama

$149

$1,789

Alaska

$116

$1,386

Arizona

$135

$1,621

Arkansas

$155

$1,860

California

$161

$1,932

Colorado

$150

$1,803

Connecticut

$154

$1,845

Delaware

$179

$2,145

District of Columbia

$152

$1,827

Florida

$250

$3,004

Georgia

$146

$1,752

Hawaii

$100

$1,200

Idaho

$96

$1,156

Illinois

$122

$1,467

Indiana

$107

$1,278

Iowa

$100

$1,198

Kansas

$140

$1,675

Kentucky

$188

$2,253

Louisiana

$250

$2,996

Maine

$100

$1,200

Maryland

$156

$1,873

Massachusetts

$140

$1,681

Michigan

$203

$2,438

Minnesota

$121

$1,455

Mississippi

$147

$1,758

Missouri

$137

$1,643

Montana

$163

$1,958

Nebraska

$151

$1,811

Nevada

$184

$2,203

New Hampshire

$106

$1,267

New Jersey

$192

$2,301

New Mexico

$127

$1,518

New York

$183

$2,201

North Carolina

$85

$1,018

North Dakota

$120

$1,438

Ohio

$91

$1,088

Oklahoma

$168

$2,010

Oregon

$126

$1,510

Pennsylvania

$141

$1,690

Rhode Island

$162

$1,942

South Carolina

$162

$1,941

South Dakota

$138

$1,660

Tennessee

$115

$1,385

Texas

$160

$1,918

Utah

$130

$1,555

Vermont

$96

$1,156

Virginia

$117

$1,401

Washington

$142

$1,699

West Virginia

$144

$1,723

Wisconsin

$92

$1,102

Wyoming

$119

$1,431

Average car insurance cost for 30-year-olds in every state

How to save money on car insurance for 30-year-old drivers

While car insurance for 30-year-olds is cheaper than it is for teens and other young drivers, it can still be expensive. If your insurance premiums are too high, here are some tips that can help lower your rates:

  • Compare quotes: Shopping around before you buya is the most reliable way to find the best company for you — and to avoid paying more than you have to for coverage.

  • Find discounts: Most car insurance companies offer discounts that can save you money. Bundling discounts, loyalty discounts, and discounts for taking a safety course can all help lower your rates.

  • Consider usage-based insurance: If you opt in to your company’s telematics or usage-based program, you can save money for safe driving habits — but you’ll have to agree to have your driving tracked for a few weeks.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Frequently Asked Questions

What is the best car insurance for 30-year-olds?

The best car insurance for most 30-year-olds is GEICO. It doesn’t have the absolute cheapest rates, but it is the company with the best insurance costs that’s also available nationally and to most drivers.

Who has the cheapest car insurance for 30-year-olds?

MAPFRE has the cheapest car insurance for 30-year-old drivers. But MAPFRE is only available in some states, while GEICO, another cheap option, offers coverage in every state plus the District of Columbia.

Does car insurance go down at 30?

Yes, car insurance does cost less at 30 than it did when you were younger. It’s significantly cheaper to get car insurance coverage at 30 years old than as a teenager because you have more experience. But most drivers won’t see their rates go down at 30 like they do at 25.

Authors

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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